RiskOS™ Dashboard Setup

Set up Account Intelligence in the RiskOS™ Dashboard

Before you start

Make sure you have the following:

How it works

Socure Account Intelligence and Account Intelligence Premier are identity verification enrichments available in RiskOS™. They validate inputs such as account number, routing number, and PII elements (e.g., name, address, or date of birth) against authoritative sources to generate score-based decisions on account ownership and availability.

Account intelligence is available as either Standard or Premier enrichments. Each enrichment will have a standard set of entitlements.

How Account Intelligence fits into a workflow

In RiskOS™, workflows are built by connecting reusable components. Account Intelligence is added as an Enrichment step.

Once the enrichment runs, its outputs are available to downstream workflow components, including:

• Conditions
• Decision rules
• Rule score cards
• Manual review steps
• Final decisions

For more detail on these components, see Workflow Steps.

Execution flow in RiskOS™

Account Intelligence runs synchronously as part of a RiskOS™ workflow. There is no user handoff or pause in execution.

flowchart LR
    A[Input]
    B[Account Intelligence]
    C[Routing logic]
    D[Decision]

    A --> B --> C --> D

At a high level, the execution flow looks like this:

1. Input
   You call the Evaluation API with account details and supporting identity attributes.

2. Account Intelligence enrichment
   RiskOS™ evaluates account availability and ownership using configured inquiry types.

3. Routing logic
   The workflow evaluates availability, ownership, and reason codes.

4. Decision
   The workflow returns a final outcome (for example, Accept, Review, or Reject).

Workflow components used by Account Intelligence

Account Intelligence uses a subset of standard RiskOS™ workflow components.

Configure Account Intelligence

Add Account Intelligence to a workflow

1. In the RiskOS™ Dashboard, go to Workflows and create a new workflow or open an existing one.
2. On the workflow canvas, select the plus (+) icon.
3. Add an Enrichment step and select:
   • Socure Account Intelligence, or
   • Socure Account Intelligence Premier

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Where to add it in a workflow:

Account Intelligence is often added at identity onboarding, payment method addition, or funding steps, and can serve as a gatekeeper (hard decision), a scoring input, or an enrichment for routing (e.g., escalate to review if inconclusive).

Configure inputs and routing

Typical required inputs include:

• routing_number
• account_number
• account_inquiries (for example, AVAILABILITY, OWNERSHIP, or both)

Optional inputs may include:

• Consumer or business identity attributes
• Account type (checking, savings)
• Additional PII to improve ownership confidence

Routing strategies should align with your risk policy, including how to handle:

• Inactive or closed accounts
• Ownership mismatches
• Inconclusive or insufficient data

Save and publish

Once your workflow is configured, publish it to go live.

Workflow testing checklist

Use this checklist to confirm accuracy, resilience, and completeness before going live.